With regard to Intesa Sanpaolo’s loans for pensioners , PerTe Prestito Pensionati Inps offers those who have a maximum of 83 years at the time of the request and 85 at the time of the loan deadline to request a maximum sum of 75,000 euros and a minimum of 3600 euros. This excludes those who receive social allowances, civil disability pensions, income support checks, monthly allowances for personal and continuous assistance to pensioners for incapacity, pensions for survivors co-owned by more than one holder, family allowances, pensions co-headed to more familiar. The loan can be disbursed either on an Intesa Sanpaolo account or on other bank accounts and also on a cash basis by requesting the issue of a bank draft.
For INPS Retired Loan
This is an assignment of the fifth and as such should be treated, ie with the need to have a pension slip indicating the possibility of a monthly withdrawal equal to one fifth of the pension, which however cannot become equal to twice the fifth, that is the loan with delegation of payment to which public and state employees can instead join. The value of the interest rate , in the case of the agreement with INPS, is usually around 4.5% for small loans. It can be used for personal needs but not to finance a business, the duration of the amortization period is from 24 to 120 months, the installments are monthly, no preliminary investigation costs are foreseen, it is possible to extinguish the debt in advance, even partially paying the 1% of the capital if the residual duration is greater than one year and 0.5% if less than a year, while if the residual is equal to or less than 10,000 euros no penalty is provided.
Example of financing
Compulsory insurance is provided on the life of the pensioner to guarantee reimbursement in the event of the death of the holder who supports the credit institution; the loan can be requested only in the branch, the rate is fixed for the entire duration of the loan, there must be no loans with current fifth assignment. An example is a 70-year-old pensioner who receives 100 euros net, requires a loan of 10,000 euros, gets a loan to be repaid in 60 months with an installment of 200 euros, Tan 7.9%, Taeg of 8.35 %, total repayment of € 12,000 and cost of the loan itself of € 2100.
PerTe Prestito Facile is instead a flexible loan aimed at employees, the self-employed and pensioners who have a current account in any bank between 18 and 80 years, the amount payable ranges from 2000 euros to 75000 euros, the duration of the amortization period goes from 2 to 10 years, the installments are monthly, the rate is fixed for amounts less than 50000 euros, fixed or variable for amounts between 50,000 euros and 75,000 euros, the early repayment is allowed both total and partial with a maximum compensation of 1% of the amount, it is possible to opt for the postponement of the installments by increasing the duration of the loan and for the installment change, decreasing it or increasing it and lengthening or reducing the duration of the loan.
Loan In Pocket and Exclusive Loan
PerTe Prestito In Tasca can be used within the ceiling with the request of a value from 1000 euros to 5000 euros, a duration of the amortization plan of 12, 18, 24, 36, 48 monthly installments; in this case it is necessary to have a bank account with Intesa Sanpaolo; the current promotion includes a 5.90% Tan and a Taeg starting from 6.10%. Another of Intesa Sanpaolo’s loans for pensioners is PerTe Prestito Exclusive , also for employees and the self-employed between the ages of 18 and 80, lasting between 2 and 15 years, to which must be added a pre-amortization period, the amount payable ranges from € 10,000 to € 300,000, the interest rate is fixed up to € 75,000 and variable or fixed above this threshold.
PerTe Annuity Loan from Intesa Sanpaolo’s loans for pensioners is aimed at those over 60 years , has a residential property offered as a guarantee that allows it to increase the amount financed on the basis of the loan owner’s advancing years, the amount can be between € 30,000 and € 400,000 and its duration depends on the life of the applicant, is associated with the Fire Policy at no additional cost, does not include the payment of installments that will eventually be due to the heirs of his death if they intend to redeem the value of the property, which must in any case take place within a year at most after the departure of the deceased person.
Multiple Loan Intesa Sanpaolo is aimed at employees, self-employed and retired workers between the ages of 18 and 80 who intend to satisfy personal or working needs and who have the current relationship with Intesa Sanpaolo ; the funding goes from 2 to 10 years, the amount can reach € 50,000 at a fixed rate and higher figures at a fixed or variable rate. Maxi Pignoratizio loan, on the other hand, among Intesa Sanpaolo’s loans for pensioners is that aimed, also at employees and self-employed workers, at those who want to give their financial instruments as collateral and who are between 18 and 80 years old, without selling their loans but obtaining liquidity for other needs by offering shares, bonds and fund units.
Information on loans for pensioners and more
It is good to remember that in order to obtain any of these loans, in addition to exhibiting the CU of the company where the service is still being performed or the pension slip and the identity document, the Disclaimer Notice is also required , an essential document that allows you to successfully initiate the desired loan quote. Finally, it is not impossible to also find information on the web about the options that can be used even with an age over 85 years, even if they are not among those related to Intesa Sanpaolo loans for pensioners, maybe up to 90 – 95 years and with pensions that are apparently difficult to accept, such as disability or reversibility pensions, bearing in mind the importance in any case of always being present to oneself when an important decision is taken in this regard.